The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$10,711
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,044
−HK$338/mo
Today · 4.125%
HK$11,382
baseline
▲ 0.50% · 4.625%
HK$12,075
+HK$693/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,764/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,915
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,235
−HK$324/mo
Today · 4.125%
HK$12,559
baseline
▲ 0.50% · 4.625%
HK$13,221
+HK$662/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,118/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,853
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,252
−HK$407/mo
Today · 4.125%
HK$13,659
baseline
▲ 0.50% · 4.625%
HK$14,490
+HK$831/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,318/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,298
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,682
−HK$389/mo
Today · 4.125%
HK$15,071
baseline
▲ 0.50% · 4.625%
HK$15,865
+HK$794/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,142/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,995
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,461
−HK$474/mo
Today · 4.125%
HK$15,935
baseline
▲ 0.50% · 4.625%
HK$16,905
+HK$970/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$31,870/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,682
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,129
−HK$454/mo
Today · 4.125%
HK$17,583
baseline
▲ 0.50% · 4.625%
HK$18,510
+HK$927/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$35,166/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,279
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,879
−HK$609/mo
Today · 4.125%
HK$20,488
baseline
▲ 0.50% · 4.625%
HK$21,735
+HK$1,247/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$40,976/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$87,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,448
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,023
−HK$583/mo
Today · 4.125%
HK$22,606
baseline
▲ 0.50% · 4.625%
HK$23,798
+HK$1,192/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$45,212/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$87,209 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).